Azura Credit Union (Azura CU) has been offering its rewards checking account, Beyond Checking, for ten years. The current 2.02% APY on qualifying balances up to $15k has been in effect for about a year. Qualifying balances over $15k earn 0.25% APY, with non-qualify balances earning 0.10% APY.
|2.02*%||-||$15k||Azura Credit Union||Beyond Checking|
|OTHER TIERS: 0.25% → $15k+|
The monthly qualification requirements include,
- At least 15 debit card transactions (minimum $5 per transaction)
- At least one direct deposit or ACH auto debit
- Be enrolled in and receive E*Statements.
The Beyond Checking account has no minimum balance requirement and can be opened with a $25 minimum deposit. The $5 monthly service fee will be waived if the monthly qualifying requirements are met. Unlimited check writing is available and a free Visa debit card will be issued following account opening. Unlimited nationwide ATM fees will be reimbursed up to $12 per month, if the monthly qualifying requirements are met. (Azura CU participates in the CO-OP ATM Network, giving its members access to nearly 30,000 surcharge-free ATMs through the country.) There is a limit of one Beyond Checking account per Social Security number.
Headquartered in Topeka, Kansas, Azura Credit Union’s field of membership (FOM) is primarily residency based, with individuals who live, work, or worship in any of the following 45 Kansas counties, eligible for membership.
Northeast Counties: Atchison, Brown, Doniphan, Douglas, Jackson, Jefferson, Johnson, Leavenworth, Lyon, Marshall, Nemaha, Osage, Pottawatomie, Riley, Shawnee, Wabaunsee, Wyandott.
Southeast Counties: Allen, Anderson, Bourbon, Coffey, Franklin, Greenwood, Linn, Miami, and Woodson.
Northcentral Counties: Chase, Clay, Cloud, Dickinson, Ellsworth, Geary, Jewell, Lincoln, Marion, McPherson, Mitchell, Morris, Ottawa, Republic, Saline, and Washington.
Southcentral Counties: Butler, Harvey, and Rice.
Employment: Employees/retirees of AT&T, Goodyear Tire & Rubber, Southwestern Bell Communications, U.S. government agencies (including local, municipal, or state governments) also qualify for membership, as are employees/retirees/members of American Legion Post 400, TARC, or United Steelworkers Union Local #400. All employees and students of any Kansas educational institution are also eligible to join.
Relationship: Immediate family members of anyone eligible for membership are welcome to apply. Immediate family includes spouse/former spouse, parent/step-, sibling, child/step-, grandparent, or grandchild.
This is the required membership share account to join Azura. It may be used as a
traditional savings account but a minimum of $5 must be maintained for membership.
Credit Union Overview
Azura Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.56% (excellent) based on December 31, 2021 data. In the past year, Azura CU increased its total non-brokered deposits by $101.08 million, an excellent annual growth rate of 21.86%. Please refer to our financial overview of Azura Credit Union (NCUA Charter # 61823) for more details.
Azura Credit Union was established in 2016 when Educational Credit Union and Quest Credit Union “merged as equals,” combining approximately the same number of members and total assets. Educational CU was founded in 1939 as the Topeka Teacher Credit Union, while Quest CU was established in 2010 through the merger of Credit Unions United (est. 1951) and Credit Union One of Kansas (est. 1956). Currently the sixth largest credit union in Kansas, Azura CU has nearly 56,000 members and assets in excess of $634 million.
When I think of the word “azure,” I think of a description of a body of water in a tropical location, but that’s not the derivation of Azura.
Why Azura? One of the reasons the new name was selected is the tribute it pays to the beautiful, azure blue Kansas sky. With a combined 140 years of service in Kansas, both credit unions wanted to be mindful of their heritage as they developed their plans to move forward. The name was created by combining the words "azure", meaning clear blue sky, and "terra", meaning land.
How Beyond Checking Compares
When compared to the High Yield Reward Checking Accounts tracked by DepositAccounts.com that are available with the FOM and have maximum qualifying balances of at least $15k, Azura Credit Union’s Beyond Checking APY currently ranks sixth.
The above information and rates are accurate as of 3/15/2021.
To look for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.